Before You Renew, Check These 9 Insurance Discounts You Could Be Missing

Why renewal bills deserve a review

Car insurance costs can fade into the background until a renewal notice brings an unexpectedly higher premium. Shopping for another rate is one possible response, though comparisons may not show a substantial price break.

Even drivers with clean records and modest coverage needs can find few obvious ways to lower their premiums. That can leave policyholders paying more than necessary for coverage they already carry.

Check discounts with your insurer

Before the next renewal, request a complete list of discounts available from your current insurer. Review the list against the discounts already applied to your policy. Staying with the same company for years does not necessarily mean every eligible discount is reflected in the price. A review can clarify whether you are receiving all the savings for which you qualify.

Compare matching coverage

After reviewing discounts, compare quotes from other car insurance companies. Use the same coverage limits and deductibles so the prices can be assessed on a consistent basis. Additional discounts may still leave your current insurer short of the lowest overall price. Looking at both the discounts and competing quotes can help identify savings while keeping important protection in place.